Answer 3 quick questions and we'll email you a projected savings estimate for your county. Employers typically see projected savings in the range of $5,000 per employee per year.
This estimate is projected, not final or guaranteed. It is based on county-level pricing data and becomes precise only after a full review of your company's census data.
We'll email your projected savings estimate for your county.
Don't see it within a few minutes? Check your spam or promotions folder.
Your estimate comes from a single lever: moving your company from a small, concentrated group risk pool into much larger individual insurance markets through ICHRA. When your employees are priced within a larger pool, claims risk spreads across a much bigger population, which is what drives the savings.
This is real, structural math, not a discount or a coverage cut. It is the mechanism behind the savings employers typically see, in the range of $5,000 per employee per year.
For companies under 50 employees, ICHRA can be paired with the Advanced Premium Tax Credit (APTC), a federal subsidy for qualifying employees on the individual market. Where it applies, it stacks on top of the structural savings. Whether it applies to your team is what we work out on the call.
Instead of two or three employer-picked options, your employees choose from dozens of plans matched to their own doctors, needs and budgets. Fit improves for them and the administrative load shrinks for you. How far that goes for your team is something we show you on the call.
No. Each employee picks their own individual plan, with your company contributing a set monthly allowance. Plans and doctor networks can differ from today's group plan, so we help your team compare options during enrollment.
ICHRA (Individual Coverage Health Reimbursement Arrangement) is a federally recognized arrangement. When it's set up properly, employer reimbursements are generally tax-free to employees. We're not your tax advisor, so we recommend confirming the details for your situation with them.
You don't need to wait for your renewal date to start planning. We'll map out a timeline on the call so you know what has to happen, and when, to make the change at the right time for your company.
No. The walkthrough starts from the numbers you've already entered. We only ask for census details if you want a more precise comparison afterward.
It's a 30-minute working session. We show you the numbers and how they were calculated, and you decide whether to go further. There is no cost and no obligation.
Your emailed estimate is a starting point built from public county-level pricing data. A short conversation lets us apply all three mechanisms to your actual census and show you the complete Funding Structure Comparison, at no cost and no obligation.
Book Your Free 30-Minute WalkthroughP.S. Every month you wait on a renewal you haven't tested is a month of paying for a plan that may cost more than it needs to.
This estimate is provided for illustrative purposes only, based on county-level premium data and the employee count you submitted. It is not a quote, offer, or guarantee of savings. Actual results depend on a complete review of your company's census data, current plan selections, employee ages, and enrollment choices. Advanced Premium Tax Credit eligibility varies by household and is determined by the federal government, not by OneAdvocate Financial. Investment advice offered through One Advocate Financial, an Indiana-registered investment advisor able to provide investment advice in states where it is registered, exempt, or excluded from registration. Please consult with a qualified financial, tax, accounting, or legal professional before implementing any ideas or strategies discussed here.